Rates are falling fast ahead of the expected cut in Bank of England base rate from 0.5% to 0.25% later this week. Big banks pay less than 1% on fixed rate bonds and cash Isas for a year.
The top one-year fixed rate cash Isa comes from Virgin Money at 1.3% while for two years Paragon Bank's new deal pays 1.5%.
On easy-access Isas, Coventry Building Society pays 1.3% but you can't transfer your existing cash Isas into this account. Best deal for transfers is Family Building Society at 1.22%.
On easy-access taxable accounts French-owned RCI Bank Freedom account still pays 1.45% before tax (1.16% after).
In this account you are covered by the European deposit protection scheme which gives you €100,000 (around £84,000) of cover rather than our own Financial Services Compensation Scheme (FSCS).
Internet-based Shawbrook Bank pays 1.25% (1%) and you are covered up to £75,000 by the UK FSCS. On the high street, the best rate comes from Coventry Building Society at 1.15% (0.92%).
On fixed rate bonds the top one-year deal comes from internet-based Charter Savings Bank at 1.66% (1.33%).
Virgin Money Champion Bond pays 1.25% (1%). The bank will double the rate to 2.5% (2%) if Manchester United wins the Premier League.
On the high street the top deal at 1.25% (1%) comes from Leeds Building Society. For two years Paragon Bank pays a top 1.8% (1.44%) and Leeds Building Society 1.4% (1.12%).
This article was originally written for our sister magazine, Money Observer.